The FCRA does not require that monthly reporting must report a delinquency, only that if a delinquency is reported, it cannot knowingly be inaqccurate.
A creditor can choose to first report a delinquency at any stage. They do not have to report a 30-late in order to then report a 60-late.
Many creditors do not bother with reporting minor 30-lates, and only begin reporting of delinqiuencies once the reach 60-late.
Additionally, while an account that is 60-late should arguably be reported as such, it is common practice that if a creditor chooses to report as only 30-late at that point, that is not considered inaccurate reporting, as it is also at least 30-late.
In the example of a payment due on 8/3 with the payment made on 8/16, then a payment due on 9/3 that is paid on 10/3, the creditor could report a 30-late, but not a 60-late.
The payment made on 8/16, while late under the account agreement, would not be a reportabel 30-late, as it did not occur 30 or more days after the billing due date.
That payment removed the account from delinquency status.
The account was then 30 days past the billing due date of 9/3 when paid on 10/3. That is a reportable 30-late, should the creditor choose to so report.
